Waterstone Financial, Inc. (WSBF) — Financial statements
Income statement, balance sheet, and cash flow for Waterstone Financial, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 202↑1.1% | 199↑12.7% | 177↑3.5% | 171↓36.3% | 268 | |
| Cost of Revenue | 58↓13.2% | 67↑34.6% | 50↑248.2% | 14↑37.4% | 10 | |
| Gross Profit | 144↑8.4% | 133↑4.1% | 127↓18.8% | 157↓39.2% | 258 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 3↓96.5% | 81↓3.6% | 84↓15.5% | 100↓26.3% | 135 | |
| Selling & Marketing Expenses | 3↓19.0% | 4↓6.0% | 4↓5.0% | 4↑12.7% | 4 | |
| SG&A Expenses | 6↓93.3% | 85↓3.7% | 88↓15.1% | 104↓25.3% | 139 | |
| Other Expenses | 104↑336.9% | 24↓15.8% | 28↓1.3% | 29↑5.3% | 27 | |
| Operating Expenses | 110↑1.5% | 109↓6.7% | 116↓12.1% | 132↓20.3% | 166 | |
| Total Costs & Expenses | 168↓4.1% | 175↑5.7% | 166↑13.2% | 147↓16.9% | 176 | |
| Operating Results | ||||||
| Operating Income | 33↑39.3% | 24↑117.6% | 11↓54.9% | 24↓73.4% | 92 | |
| Depreciation & Amortization | 0.00↓100.0% | 2↓25.1% | 3↓18.2% | 4↓33.3% | 6 | |
| EBITDA | 33↑26.3% | 26↑84.7% | 14↓49.7% | 29↓71.0% | 98 | |
| EBIT | 33↑39.3% | 24↑117.6% | 11↓54.9% | 24↓73.4% | 92 | |
| Interest & Other Income | ||||||
| Net Interest Income | 57↑22.9% | 46↓8.1% | 50↓11.8% | 57↑2.6% | 56 | |
| Interest Income | 116↑2.6% | 113↑14.1% | 99↑41.2% | 70↑0.5% | 70 | |
| Interest Expense | 59↓11.4% | 67↑36.8% | 49↑268.6% | 13↓7.5% | 14 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 33↑39.3% | 24↑117.6% | 11↓54.9% | 24↓73.4% | 92 | |
| Income Tax Expense | 7↑32.5% | 5↑220.7% | 2↓66.8% | 5↓76.6% | 21 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 26↑41.3% | 19↑99.3% | 9↓51.9% | 19↓72.5% | 71 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 26↑41.3% | 19↑99.3% | 9↓51.9% | 19↓72.5% | 71 | |
| Bottom-Line Net Income | 26↑41.3% | 19↑99.3% | 9↓51.9% | 19↓72.5% | 71 | |
| EPS (Basic) | 1.48↑46.5% | 1.01↑114.9% | 0.47↓47.2% | 0.89↓70.1% | 2.98 | |
| EPS (Diluted) | 1.48↑46.5% | 1.01↑119.6% | 0.46↓48.3% | 0.89↓69.9% | 2.96 | |
| Weighted Average Shares | 18↓3.9% | 19↓7.9% | 20↓7.9% | 22↓7.8% | 24 | |
| Weighted Average Diluted Shares | 18↓3.9% | 19↓8.0% | 20↓8.2% | 22↓8.0% | 24 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.